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m-zaba
Online banking puts you in control of your finances. Pay your bills, get a cash loan or credit card, change or arrange a product package and schedule an appointment.
*3 months free of charge!
NEW: The fastest way to an informative offer(1) for a housing loan - via m-zaba
- Find out which housing loan would best suit your needs(2)
- In m-zaba select Products > Mortgages and loans > Mortgages
loans and download the informative offer.
(1) Issuing an informative offer confirms that on the day of issue, the client meets the prerequisites for submitting an application for a housing loan at Zagrebačka banka. The approval of a housing loan based on the issued offer can only be realized with the mutual consent of Zagrebačka banka d.d. and the loan applicant, if the loan applicant completes his loan application with the necessary documentation and loan repayment instruments in accordance with the lending conditions of Zagrebačka banka d.d. valid at the time of loan approval.
(2) Representative example of a housing loan with a mortgage on real estate: For a loan in the amount of EUR 100,000, with a combined interest rate (fixed for seven years at 2.79% per year, and thereafter variable at 2.79% per year, consisting of: 0.64% (fixed part of the interest rate) + 6M EURIBOR (variable part of the interest rate valid on 02.02.2026 is 2.154%), repayment period of 30 years (360 monthly annuities), repayment in annuities including the of real estate fire insurance premium and the loan user insurance policy against the consequences of an accident and maintaining a current account for one month, the effective interest rate is 3.10%. The monthly annuity for seven years is EUR 410.37, thereafter it is EUR 410.37, and the total amount that the client needs to pay is EUR 152,925.32.
Representative example of a housing loan with a mortgage on real estate: For a loan in the amount of EUR 100,000, a fixed interest rate of 3,29% for the entire loan repayment period, a repayment period of 30 years (360 monthly annuities), repayment in annuities including the costs of real estate fire insurance premium and the loan user insurance policy against the consequences of an accident and maintaining a current account for one month, the effective interest rate is 3,61%. The monthly annuity is EUR 437,41. The total amount that the client needs to pay is EUR 162.714,90.
Check your credit options and arrange a cash loan
- Are you wondering if you are creditworthy for the desired amount of cash or housing loan? Request an informative calculation in
Products > Mortgages and loans > My borrowing options - Contract a cash loan(3) up to EUR 30,000 without going to a branch office or start the process of contracting a loan of up to EUR 50,000.
(3) Representative example: With a fixed interest rate of 5.19% per year, repayment term 84 months, repayment in annuities with included fee for maintaining a current account in euros for one month and with loan repayment insurance (CPI), without loan processing fee, the effective interest rate (EIR) for a loan of EUR 10,000 is 6.70%. The monthly annuity is EUR 142.24, and the total amount that the client needs to pay is EUR 12,369.13.
Dividing transactions on the current account in euros into installments
- Users of a current account in euros who have an approved installment payment limit per debit card can later divide specially marked one-time transactions into 2 or 3 installments.(4)
(4) Transactions that can be divided later are marked separately in m-zaba, for transactions in amounts from EUR 30 to a maximum of EUR 300 with a fee of EUR 1.32 per installment.
Contract a credit card and subsequently divide the cost into installments
- Through m-zaba, contract Mastercard Standard, Platinum or go!card.(5)
- For Mastercard credit card users, take advantage of the subsequent splitting of one-time transactions into installments, for a fee.(6)
Note: The procedure through m-zaba is available to clients with exemplary business relationship who receive income to a Zaba account. Clients who will be required to provide proof of income or have employment status that will render them ineligible for the m-zaba procedure will be redirected to a branch office.
(5) Representative example: with a fixed interest rate of 6.79% annually, the arranged repayment method of 36 instalments and no loan processing fees, the effective interest rate for the approved revolving loan of EUR 700 is 7.02%. The monthly repayment ranges from EUR 19.55 to 23.48, with the amount you will pay totalling EUR 773.37.
(6) Transactions that can be subsequently divided are specially marked in m-zaba, for transactions in amounts from EUR 26 to a maximum of EUR 535 with a fee of EUR 1.32 per installment.
Pay bills, send money abroad and buy vouchers!
- m-photo pay – pay bills by photographing them
- IziPay – send and receive money using a contact in your phone book.
- Send money abroad from the owner's and authorized representative's account
- Buy mobile phone and PlayStation vouchers or top up the ENC device.
- m-parking – pay your parking ticket
NEW: Become a client of Zaba - digitally!
- Still not a client of Zaba?
Download the m-zaba application, contract a package of accounts and services and enjoy the advantages of digital banking.
USING M-ZABA SAFELY (PDF)
CHECK THE FULL LIST OF M-ZABA SERVICES
* Clients who are contracting m-zaba for the first time or who have not contracted m-zaba in the last 12 months are exempt from paying the fee for contracting/activating and using m-zaba during the first 3 months of use. Visually impaired and blind people do not pay a fee for contracting/activating and using m-zaba.
How to get m-zaba?
2
Installation
Download the application via the Google Play, the App Store or the App Gallery:
3
Activation
After you download the app, you need to activate it by entering the identification and activation keys. After that, you need to choose a PIN for the future use of m-banking and m-token.
To use m-zaba, you need a mobile device with Internet access, enough available memory to store the application and a specific operating system:
- iOS with minimum version 13.0, and recommended 16.0 or later
- Android minimum version 7.0, and recommended 12.0 or later
- HarmonyOS minimum version 1.0.
m-zaba cannot work on versions of operating systems lower than the minimum, and the full functionality of m-zaba on versions lower than the recommended ones depends on the specific settings of the manufacturers of individual mobile device models.
m-zaba is available to you on all mobile networks and from any place where you can establish communication with your mobile device.
You need to:
- arrange the service
- install the m-zaba application on your mobile device
- activate the application.
You can contract the service in a branch.
Please make sure that the mobile data on your mobile device are turned on.
Depending on which mobile device you are using, open the Apple Store, Google Play Store or App Gallery. By selecting the magnifying glass icon, enter the name of the application "m-zaba". When the required application appears, first select it in the search result and click on "Install".
After downloading the application, activate it by entering the identification and activation key. After entering the identification and activation key, it is necessary to enter and confirm the PIN that you will use when working with m-zaba.
You create the PIN yourself, it should be known to you only and we recommend that you keep it secret.
If you deleted m-zaba from your mobile device, changed your mobile device or locked the application, you need new identification and activation keys. Request them by calling 01 3789 785 or in the branch.
In case you want to use an already activated m-zaba on a mobile device on which you have not used it before, the following steps must be taken:
- Prepare the mobile device on which you are currently using m-zaba and the new one on which you have already installed the application.
- Log in to the app on your old device and select the More menu and then the Settings option.
- Select the “Transfer m-zaba to a new device” option.
- Follow the steps after which a screen with a QR code for activating m-zaba on the new device is displayed.
- Start m-zaba application on the new mobile device to which you want to move the application.
- Scan the QR code with the camera on the new device.
- Enter and confirm the PIN that you will use to log in to m-zaba on the new device.
- After the successful activation message, your m-zaba is activated on the new and deactivated on the old mobile device.
Due to the applied technology solutions, the cost of data traffic when using m-zaba is reduced to a minimum. Internet is charged according to the amount of transferred data (data traffic), and when you use m-zaba, the minimum amount of data is transferred. The price of data traffic depends on your mobile network operator. Also, most mobile network operators offer special options within which the price of data traffic is lower than the standard price. We recommend the activation of these options primarily for the purpose of downloading the application, when the highest data traffic is realized.
This is a mobile payment option which you can use to pay your bills in an easier, faster and more convenient way with the help of your phone camera. Launching the m-foto pay service and selecting the account for payment automatically activates your mobile device camera. You need to scan the 2D code, QR code or data from the payment slip (when there is no 2D and QR codes) using your camera, after which the payment order is automatically filled out.
This way you save time because you no longer need to manually enter data from the payment slip.
m-foto pay and fast scan are m-zaba services which make payments faster and simpler. Both services are based on scanning data using your phone camera.
m-foto pay enables you to pay payment slips by scanning a 2D bar code, QR code or the slip itself (stub) if it does not contain a 2D bar code, after which all the data necessary for making the payment will be transferred to m-zaba. With m-foto pay, paying your utility bills is only a matter of seconds.
fast scan enables you to make payments by scanning documents other than payment slips (e.g. various invoices). Instead of entering the IBAN, amount, reference number and so on, you only have to scan each entry with your phone camera after which all the data will be transferred to m-zaba.
Older mobile devices with the Android operating system do not support the m-foto pay service because they do not meet the minimum requirements for the use of it. To make the service work on your mobile device, it needs to be equipped with:
- a camera with autofocus
- a video preview camera resolution: 480x480.
That is a function of m-banking which enables an even simpler transfer of money between you and other users of m-zaba. Send the IBAN in the form of a 2d barcode (by email, Viber, social networks…) to the person from whom you expect a payment (and who also uses m-zaba), or show the IBAN to this person on the screen of your mobile phone. They need to retrieve the received code via the m-foto plati service in their m-zaba and enter the agreed amount and you can see the money on your account immediately after the payment.
All data exchanged between m-zaba and the Bank is protected by an encrypted connection, and access requires a PIN. PIN and business relationship data are not stored in the mobile device. By activation of m-banking a software token is installed in the mobile device, which guarantees the security of using the service.
The PIN entry is protected from unauthorized recording with a keyboard with a random display of numbers for entering the PIN. The bank does not have access to your PIN, does not save it and will never ask you for it. Also, the Bank will never ask you to enter your PIN more than once. The PIN should be known only to you.
After multiple successive entries of the wrong PIN, m-zaba is automatically locked. Also, after three minutes of non-use, m-zaba will automatically log you out.
To change your PIN, you need to log into m-zaba, select More in the main menu at the bottom of the screen. After that choose Settings and finally Security.
After three minutes of inactivity, m-zaba automatically turns off. You need to re-enter your PIN to restart the application. This time of activity of m-zaba enables a multitasking mode, e.g. copying of the recipient’s account number from the mail application into the order form, and the like.
If you want to make sure that the application is inactive, select “Log out” or remove m-zaba from the list of applications running in the background immediately after you exit the application. The application is immediately locked and you need to enter your PIN to re-open the application.
Report the loss or theft of the mobile device you use to access m-zaba to the Bank by calling 01/3789 888.
The PIN for access to m-banking and m-token should be known to you only, so in case of theft or loss of the mobile device, it cannot be misused.